Estimate the take-home amount from a one-off work bonus.
The calculator estimates your regular annual tax and National Insurance first, then estimates the position again after adding the one-off bonus. The difference is shown as the extra Income Tax, employee NI and student loan repayment linked to the bonus.
This is useful for planning because bonuses can sit in a higher marginal tax band than normal pay. Estimate only: actual payroll may use your tax code, pay period, year-to-date taxable pay and employer rounding differently.
If a bonus is sacrificed into pension, this page treats that amount as reducing taxable pay and NI pay. Net pay pension reduces taxable pay only. Relief at source is shown as an after-tax cash cost with basic-rate relief added by the pension provider.
The student loan option estimates the extra annualised repayment caused by the bonus. Real deductions can differ because payroll usually applies weekly or monthly thresholds rather than waiting for a final annual income figure.
Tax, NI and student loan assumptions use the bundled Clear Calculators UK tax data. Check HMRC, GOV.UK, your payroll team or a tax professional before relying on a bonus estimate for a decision.
A bonus can be taxed differently from a simple yearly calculation when it arrives in one pay period. Emergency tax codes, cumulative tax codes, Scottish tax bands, student loan notices, workplace pension rules, salary sacrifice agreements, benefits, arrears and previous underpayments can all change the final payslip.
Use the estimate to understand the likely direction and scale of deductions, then compare the actual payslip with the payslip checker once the bonus has been paid.
A one-off bonus can push part of your income into a higher marginal deduction zone, especially once Income Tax, National Insurance, pension and student loan repayments are considered together. The calculator shows the estimated extra deductions linked to the bonus rather than only the final net bonus.
Payroll may calculate a bonus using the current pay period, year-to-date pay, tax code and cumulative tax position. That means a payslip can look different from a simple annual estimate, particularly around the start or end of a tax year, after a job change, or when a tax code has recently changed.
Salary sacrifice, net pay and relief at source pension methods can affect taxable pay, NI and visible take-home differently.
Real student loan deductions are usually applied by pay period, so a large bonus month can trigger a larger deduction.
Use the payslip checker once the bonus is paid if you want to understand actual tax, NI and net differences.